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Older couple enjoying retirement after making a confident home equity mortgage choice

RETIREMENT & HOME EQUITY

Turn Home Equity Into Retirement Confidence

Your home may be one of your most valuable retirement assets. The right home equity strategy can help create greater financial flexibility for the years ahead.

THE EQUITY OPPORTUNITY

Put Your Home Equity to Work in Retirement

Home equity can be an important part of a broader retirement strategy.

 

Depending on your goals, home value, and financial situation, there are several ways to access that equity — including a Home Equity Conversion Mortgage (HECM), a proprietary reverse mortgage, a second reverse mortgage or a senior HELOC.

​​​Home equity can provide greater flexibility to:​

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  • Supplement retirement income

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  • Maintain financial flexibility

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  • Protect investment portfolio

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  • Stay comfortably in your home as you age.

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RETIREMENT MORTGAGE OPTIONS

Make Your Home Equity Part of the Plan

Your home equity can provide greater financial flexibility at different stages of life—from accessing equity today to supporting retirement, changing care needs, or a future move.

Home Equity Conversion Mortgage (HECM) →

For homeowners 62+, a HECM can provide access to home equity while allowing you to remain in your home, with no required monthly principal and interest mortgage payments.*

HECM for Care →

Explore how home equity may provide additional financial flexibility to help manage in-home care, senior living, or other later-life needs.

HECM for Purchase →

Use a HECM to purchase a new primary residence while preserving more of your available savings and creating greater financial flexibility.

Proprietary Reverse Mortgages →

Designed for homeowners with higher-value homes or unique financial needs, proprietary reverse mortgages may provide access to more home equity than a traditional HECM.*

Second Reverse Mortgages →

Access additional home equity while keeping an existing first mortgage in place—an option that may be especially valuable for homeowners with a favorable first-mortgage rate.*

Senior HELOC →

A home equity line of credit designed for homeowners age 62+, providing flexible access to available equity while keeping an existing first mortgage in place.

*Borrowers must continue to meet loan obligations, including property taxes, homeowners insurance, and applicable property charges.

NEXT STEPS

Find the Retirement Mortgage Strategy That Fits You

Every situation is different. Talk with a Retirement Mortgage Specialist to explore your options and determine what may make sense for your goals.

 

Call (888) 225-3336 or schedule a consultation with a mortgage advisor.

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